Jun 6, 2018
No, you may not.
At $100/mo is there a risk of lapse as they age? I guess it’s hard to say since you didn’t disclose the face amount. My $100 illustrations on adults always look shaky toward retirement.
I didnt disclose the face because I have no clue what it started at. Minimum Non-Mec face for their age at the time.
IUL should be (generally speaking anyways) Minimum Non-Mec Face.
If your at Min Non-Mec face, and design the rest of the policy correctly, then it doesnt matter what your monthly premium is. The policy will be stable in retirement.
If your illustrations are crashing in retirement, your issue is:
1. wrong policy design
2. crappy product
3. possibly both
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